Columbus
Columbus ADDI offers up to 6% of the price (max $14,999), forgiven after 5 years, at up to 120% AMI. Rules, limits and statewide options for Columbus buyers.
City desk
Ohio cities that put up their own down payment money
Some cities fund buyers on top of what the state and county offer. Pick your city for every program open to a home there.
Cleveland
Cleveland has no city down payment program and is excluded from the county one. See the city tax abatement and the statewide grants Cleveland buyers can use.
Parma
Parma DPA offers up to $21,900 as a deferred loan for homes up to $219,000 at 80% AMI. Rules, how it relates to the county program and statewide help.
Cleveland Heights
Cleveland Heights runs a HOME-funded down payment program for low- and moderate-income buyers. What is known, who to call and the statewide grants to pair.
Cincinnati
Cincinnati ADDI lends first-time buyers up to $14,999, interest-free and deferred, with rolling applications. Rules plus the statewide grants for Cincinnati.
Dayton
Dayton has three buyer programs: a citywide 10% DPA plus neighborhood loans for Northwest/West and Southwest Dayton. Status, limits and how to apply.
Akron
Akron Dreams 2026 gives first-time buyers $7,500, forgiven over 5 years, from a $300,000 first-come pool. Income limits, price caps and statewide options.
Toledo
Toledo's Home at Last grant pays first-time buyers up to $12,500, or up to $20,000 in four neighborhoods. Income limits, rules and statewide options.
Lorain
City of Lorain HOME DPA lends up to $14,900 at 0%, forgiven over 5 years. Take the homebuyer class before you sign a purchase agreement. Full rules here.
Youngstown
At Home in Youngstown has spent all its funds. What the program offered, why it's closed, and the statewide down payment help Youngstown buyers can still use.
